I hope it helps out, you have to get some ROI! Plus you got a kid and are going to have to start saving for his college soon too. I started when my son was about his age, boy am I glad I did. School's are ridiculously expensive now!
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Everything is too expensive... it has gotten so out of control!
And there's no end in sight, just going to keep going up. Do you remember when you could buy a candy bar for a quarter! That was a long, long time ago!
I remember walking to a gas station every other day near my home when I was 10 to buy Garbage Pail kids packs for 25 cents. They were die cut cards with a piece of gum as well. When you go to Target to get cards now, they are minimum 5 bucks a pack and often 10 dollars or more. And usually not die cut and no gum.
I scrounged for a quarter back then. How the heck can kids buy stuff like that today?